More4Business Limited: FCA regulated?

Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Appointed for 4 years
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 31 October 2025

Responsible principal firm

Prosper Protect Limited Reference number: 912838 Authorised View firm →

What does this mean?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
More4Business Limited (FRN 980294) is an AR of Prosper Protect Limited (FRN 912838). When you use More4Business's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from More4Business, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Website

more4business.co.uk (opens in a new tab)
Phone number

07545 971054
Address

S H M S House, 20 Little Park Farm Road, Fareham, Hampshire, PO15 5TD, United Kingdom

In the full report: 3 background checks

When more4business.co.uk first appeared online, and whether it can receive email
What kind of line 07545 971054 is
Who else gives the postcode PO15 5TD

Other names (1)

If you were contacted under any of these names, it is this firm.

More4Insure Services Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Prosper Protect Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 14124389 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 23 May 2022 (4 years old)
Registered office: Lancaster Court, 8 Barnes Wallis Road, Fareham, PO15 5TU, England
Nature of business: Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Oliver James Beamer	Director	Dec 1994	23 May 2022	3 other companies
Darren Leslie Fagan	Director	Feb 1980	23 May 2022	9 other companies

Other companies run by these 2 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies: 9
closed down: 7
run together: 3

In the full report: all 9 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The 3 companies these 2 directors run together
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 October 2025Abridged accountsNot audited

Net assets

£27.2k

Up £25.5k from £1,728

Cash at bank

£111k

+90% from £58.7k

Employees (average)

2

−33% from 3

Owed within a year

£52.8k

−27% from £72.1k

Net assets

In the full report: all 4 years of accounts

Every year from 2022 to 2025
The chart, over every year
Every filed figure, year by year

About these figures

Turnover: Money taken from sales in the year, before any costs.
Profit before tax: What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity: Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities: Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank: Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year: Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 14124389. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

More4Business’s history from the FCA register and Companies House, newest first.

Key events (6) All events (12)

2025

30 April 2025

Stuart Howitt stopped being a part-owner

Companies House

2022

3 August 2022

Became an appointed representative

FCA register

23 May 2022

Incorporated at Companies House
Darren Leslie Fagan gained 25–50% of the votes
Oliver James Beamer became a part-owner (25–50% of shares)
Stuart Howitt became a part-owner (25–50% of shares)

Companies House

In the full report: all 12 events

All 12 events in its history (6 shown here)
Every director appointment and resignation: 4

Firms connected to More4Business

Other FCA-listed firms that share a director, phone number or address with More4Business. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 4
share its postcode: 4

In the full report: all 4 connected firms, named

How each is linked: the same postcode (4)
Who links each one: the named directors, with dates

Firms like More4Business

Other firms of the same type (mortgage adviser or broker), nearest first.

In Fareham

Albany Park Mortgages LimitedFarehamAppointed representative C L Mortgages and Protection LtdFarehamAppointed representative Coast Financial Services LimitedFarehamAppointed representative Creative Lending Solutions LtdFarehamAppointed representative Easy Mortgages LimitedFarehamAppointed representative Edwin GuyFarehamAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on More4Business

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

9 other companies its directors have run, named
3 background checks on its contact details
4 years of accounts, charted
All 12 events in its history
4 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is More4Business Limited FCA authorised?

More4Business Limited (FRN 980294) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does appointed representative mean for More4Business?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. More4Business Limited (FRN 980294) is an AR of Prosper Protect Limited (FRN 912838). When you use More4Business's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from More4Business, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

What is More4Business’ phone number and website?

The FCA register lists the phone number 07545 971054 and the website more4business.co.uk for More4Business. If you were given different contact details, use these to check with the firm before going any further.

Is More4Business a scam or clone?

More4Business is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.

Is my money safe with More4Business?

Protection works through Prosper Protect Limited, the principal firm responsible for More4Business's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns More4Business?

Companies House lists 2 people with significant control of More4Business: Mr Oliver James Beamer (25–50% of shares) and Mr Darren Leslie Fagan (25–50% of votes). Before that, it was controlled by Mr Stuart Howitt.

Who runs More4Business?

Companies House lists 2 directors of More4Business: Oliver James Beamer and Darren Leslie Fagan.

How long has More4Business been in business?

The company was formed on 23 May 2022.

What do More4Business’ latest accounts show?

Its latest accounts, to 31 October 2025, show net assets of £27.2k (up £25.5k from £1,728) and cash at bank of £111k (+90% from £58.7k).

Does More4Business use any other names?

It has previously used the name More4Insure Services.